RBS (One Account) Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk management tool.

This software optimises the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with automatic updates on RBS (One Account)’s changes. Notwithstanding that using the software is not a prerequisite for RBS (One Account) , demonstrating you can stay up to date with RBS (One Account)’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your firm’s panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to reduced PII premiums.

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Lenders often vary their requirements. The UK Finance Lenders’ Handbook requirements from RBS (One Account) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, frequently:

A Timeline of Policy Changes


Since 2008, RBS (One Account) has made 324 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 8.4 days. In total, 54% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS (One Account) have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
5.7.1b 02/12/2016 CML
Freehold Flats
The Royal Bank of Scotland plc One Account approved lawyers clarification as to whether they lend on freehold flats
Flying Freehold Indemnity Insurance
6.7.1 23/08/2016 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
5.19.1 19/07/2016 CML
Shared Ownership and Shared Equity
Contact details at The Royal Bank of Scotland plc One Account for conveyancing panel lawyers for lending on affordable housing, shared equity and shared ownership and where relevant The Royal Bank of Scotland plc One Account requirements.
10.2b 05/07/2016 CML
Mortgage Advance and Certificate of Title
What is the minimum number of days notice The Royal Bank of Scotland plc One Account require ahead of sending the mortgage advance?
6.14.1 04/12/2014 CML
Building Insurance
The Royal Bank of Scotland plc One Account panel lawyers additional requirements concerning building insurance
3.1.4 01/12/2014 CML
details of the seller's solicitors or licensed conveyancers
6.14.1d 01/12/2014 CML
maximum excess re building insurance
6.14.2 01/12/2014 CML
requirement that all insurance risks are included
6.14.4 01/12/2014 CML
sending a copy of the buildings insurance policy and last premium
3.1.3 01/12/2014 CML
Conveyancing Solicitors Details for Sellers
Do The Royal Bank of Scotland plc One Account require notification form their approved lawyer of the name and address of the solicitors firm or licensed conveyancers firm acting for the seller?

Last update 14/11/2018

Examples of recent questions relating to the RBS (One Account) Solicitor Panel from members of the public

How easy is it to change a solicitor as I need to find one who is on the RBS (One Account) conveyancing panel. Is it practical to instruct different lawyers?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company RBS (One Account) will not agree to this. Why was RBS (One Account) even consulted?
Your lawyer being on the RBS (One Account) conveyancing panel is duty bound to inform RBS (One Account) of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to RBS (One Account) then they would have to discontinue acting for you and RBS (One Account).
I am Googling for conveyancing quotes online. Can I be confident that all the law firms that are listed on your website are on the RBS (One Account) conveyancing panel?
The solicitor and licensed conveyancing practices on our directory have assured us via an online form that they are on the RBS (One Account) panel and agreed to advise us to take down their listing in the event of removal off of the RBS (One Account) panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the RBS (One Account) conveyancing panel is incorrect.
I am buying a terraced house and getting a mortgage with RBS (One Account). Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the RBS (One Account) conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the RBS (One Account) conveyancing panel in your location.
Do most lenders operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the RBS (One Account) conveyancing panel requirements are different to RBS (One Account)’s conveyancing panel criteria.
I was thinking of purchasing my friend’s property. Assuming we can agree a figure, what’s the best way to move forward? I hope to get a mortgage with RBS (One Account). Is there anyway to cut out the solicitors to save on the costs? My dad reckons back in the day he did a lot of it himself, just went into the land registry office and providing them with the info they needed himself
If you are getting a mortgage with RBS (One Account) involved you will need to appoint a solicitor on the RBS (One Account) conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to RBS (One Account). Feel free to use our search tool to look for a licensed conveyancer or solicitor on the RBS (One Account) conveyancing panel.
I have had an offer accepted on a apartment I spoke to a lawyer recommended by my dad and he advised using a law firm approved by RBS (One Account). The estate agent recommended two local firms so I asked RBS (One Account) if the 2 suggested solicitors are approved, which they are not. RBS (One Account) suggested that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of RBS (One Account) 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Ask RBS (One Account) to suggest a law firm in your location. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the RBS (One Account) conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto RBS (One Account) conveyancing panel as it may only take about 2-3 weeks. As long as they meet RBS (One Account)’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.